International Journal of

Business & Management Studies

ISSN 2694-1430 (Print), ISSN 2694-1449 (Online)
Is Disruptive Technology Driving Adoption and Use, Making Traditional Banking Obsolete?


Although the Technology Acceptance Model is the foundational theory to understand how users accept and use new technology, UTAUT2 plays a significant role as it includes technology use by consumers and identifying how disruptive technology increases use and acceptance during the Pandemic will give a fresh perspective to past studies.  We will review and synthesize these theories concurrently, using the concepts of adoption and use as our organizing framework. Our review encompasses twenty-eight articles centered around the technology acceptance model (TAM), User Acceptance of Information Technology (UTAUT & UTAUT2) theory, published between 1995 and 2021 in 16 journals across several disciplines. Additionally, we identified future research areas regarding disruptive technology with focus on contactless and mobile payment platforms providing scholars opportunities to push theoretical boundaries and offer further insights into the latest trends of disruptive technology, their use and acceptance.